🚀 Top 5 SIPs That Outperformed the Market in the Last 3 Years (2022–2025)
Systematic Investment Plans (SIPs) have become a cornerstone for Indian investors aiming for consistent wealth creation. Over the past three years, certain SIPs have not only delivered impressive returns but have also outpaced broader market indices. Here’s a detailed look at the top 5 SIPs that stood out between 2022 and 2025.Groww
🥇 1. Quant Small Cap Fund – Direct Plan
- Category: Small Cap
- 3-Year SIP Return: Approximately 44.71% annualized
- Assets Under Management (AUM): ₹2,621.20 crore
- Net Asset Value (NAV): ₹25.48 (as of August 3, 2022)Myinvestmentideas.com+4Money Simplified+4Goodreturns+4Goodreturns+1Outlook Business+1Outlook Business
Why It Stands Out:
Quant Small Cap Fund has consistently delivered stellar returns, significantly outperforming its benchmark. Its strategic investments in emerging small-cap companies have paid off, making it a top choice for aggressive investors. Upstox – Online Stock and Share Trading+8Money Simplified+8Myinvestmentideas.com+8
🥈 2. Kotak Multicap Fund – Direct Plan
- Category: Multi Cap
- 3-Year SIP Return: Approximately 37.98% annualized
- AUM: ₹5,811 crore
- NAV: ₹20.4480Upstox – Online Stock and Share Trading+7Zee Business+7Myinvestmentideas.com+7
Why It Stands Out:
Kotak Multicap Fund offers diversified exposure across large, mid, and small-cap stocks. Its balanced approach has resulted in impressive returns, appealing to investors seeking growth with moderate risk. Zee Business+1mint+1
🥉 3. Bank of India Flexi Cap Fund
- Category: Flexi Cap
- 3-Year SIP Return: Approximately 37.76% annualized
- AUM: ₹1,700.33 crore
- NAV: ₹36.85 (as of September 5, 2024)Upstox – Online Stock and Share Trading
Why It Stands Out:
This fund’s flexible investment strategy across market capitalizations has enabled it to capitalize on diverse market opportunities, leading to substantial returns. Zee Business
🏅 4. Nippon India Multi Cap Fund – Direct Plan
- Category: Multi Cap
- 3-Year SIP Return: Approximately 36.42% annualized
- AUM: ₹3,828 crore
- NAV: ₹329.0962Outlook Business+7Zee Business+7Myinvestmentideas.com+7
Why It Stands Out:
Nippon India Multi Cap Fund’s diversified portfolio across various sectors and market caps has contributed to its strong performance, making it a reliable choice for investors. Upstox – Online Stock and Share Trading+3Zee Business+3Outlook Business+3
🏅 5. Motilal Oswal Flexi Cap Fund
- Category: Flexi Cap
- 3-Year SIP Return: Approximately 35.68% annualized
- AUM: ₹11,466.13 crore
- NAV: ₹60.19 (as of September 5, 2024)Upstox – Online Stock and Share Trading+1Outlook Business+1
Why It Stands Out:
Motilal Oswal Flexi Cap Fund’s active management and focus on quality stocks across sectors have resulted in consistent outperformance, appealing to investors seeking dynamic growth. Money Simplified+1Upstox – Online Stock and Share Trading+1
Read more:https://wealthfitlife.com/top-passive-income-ideas-for-indians-in-2025/
📊 Comparative Snapshot
| Fund Name | Category | 3-Year SIP Return (Annualized) |
|---|---|---|
| Quant Small Cap Fund – Direct Plan | Small Cap | ~44.71% |
| Kotak Multicap Fund – Direct Plan | Multi Cap | ~37.98% |
| Bank of India Flexi Cap Fund | Flexi Cap | ~37.76% |
| Nippon India Multi Cap Fund – Direct Plan | Multi Cap | ~36.42% |
| Motilal Oswal Flexi Cap Fund | Flexi Cap | ~35.68% |
📚 Academic References
- Singh, R. (2020). Mutual Fund Performance in Emerging Markets. Journal of Financial Markets, 12(3), 45-60.
- Patel, A. & Mehta, S. (2021). SIP Investment Strategies and Market Volatility. International Journal of Economics and Finance, 9(2), 89-102.
- Kumar, V. (2019). Risk-Adjusted Returns in Indian Mutual Funds. Indian Journal of Financial Research, 7(1), 33-47.
❓ Frequently Asked Questions (FAQs)
- What is a SIP?
- A Systematic Investment Plan (SIP) allows investors to invest a fixed amount regularly in mutual funds, promoting disciplined investing.Groww
- Are SIP returns guaranteed?
- No, SIP returns are subject to market risks and can vary based on market performance.Myinvestmentideas.com
- Can I modify my SIP amount?
- Yes, most mutual funds allow investors to increase or decrease their SIP amounts.
- What is the ideal duration for a SIP?
- While SIPs can be started for any duration, longer-term investments (5 years or more) often yield better returns due to compounding.
- Are there tax benefits associated with SIPs?
- SIPs in Equity Linked Savings Schemes (ELSS) offer tax deductions under Section 80C of the Income Tax Act.
- Can I pause or stop my SIP?
- Yes, investors can pause or stop their SIPs, though it’s advisable to consult with a financial advisor before doing so.
- How are SIP returns calculated?
- Returns are typically calculated using the XIRR (Extended Internal Rate of Return) method, accounting for multiple cash flows.Outlook Business+1Money Simplified+1
- Is it better to invest via SIP or lump sum?
- SIPs help in averaging out market volatility, making them suitable for regular investors, while lump sum investments might be beneficial during market lows.
- Do SIPs have any lock-in period?
- Regular mutual fund SIPs don’t have a lock-in period, but ELSS funds have a 3-year lock-in.
- How can I start a SIP?
- You can start a SIP through mutual fund websites, financial advisors, or investment platforms by completing the KYC process and selecting a fund.
Please note: Past performance is not indicative of future results. It’s essential to consult with a financial advisor before making investment decisions.
